Modern Funding for Property Investors and Developers
In a post-credit crunch borrowing environment, property investors and developers have grown accustomed to operating within a more professional marketplace. Although legitimate creative strategies remain, gone are the days of free-flowing speculative finance. From buy-to-let and bridging through to development funding and accessing finance via the ‘crowd’, this extended post aims to navigate investors through the main options. Please note that we are not mortgage brokers or financial advisors, and strongly suggest seeking suitably qualified professional advice. Buy-to-Let Mortgages Supporting a sector that has grown markedly since the mid-1990s, buy-to-let lending has shifted from being a niche commercial product to taking a significant share of the UK mortgage market. In recent years, however, Prudential Regulation Authority (PRA) stress-testing criteria has imposed stricter standards on a landlord’s ability to access finance. Formally introduced in 2017, the aim (according to the policy itself)... [Read More]